About five working days.

In order to avoid risks, the bank's work is very rigorous, and the approver will re-examine the auditor's work. If there is no problem, the bank will inform that the loan has been approved, and the tax payment can be transferred, which usually takes about 5 working days.

If the original owner does not have a loan, he will pay taxes and transfer the mortgage property certificate after approval, and the bank will lend money in about seven working days. If the original owner has a loan, he needs to apply to the loan bank for early repayment after signing the contract. Time depends on the bank itself. Some owners need a month to pay taxes and transfer mortgage property certificates after the loan is paid off.

Matters needing attention in housing loan

Apply for a mortgage according to your ability: some users will think that the larger the loan amount, the better. Actually, that's not the case, because after you get the mortgage, you have to pay it back and you have to pay interest. If the loan period is long and the loan amount is large, then it is necessary to pay more loan interest and increase the repayment pressure.

After the loan application is approved, the buyer can repay the loan every month. Then, if you encounter difficulties and can't repay the loan on time, the buyer can apply to the bank to change the loan term, and if the loan bank agrees, it can be extended.

For the above contents, please refer to People's Daily Online-How long will the loan be approved (Chengdu Bank).

How long does it usually take for banks to lend money?

Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to lend money, and generally it will not exceed 15 days, depending on the efficiency of the handling bank. Generally, if it is not the end of the year, the loan will be faster.

Generally speaking, bank loans last for 7- 15 days, provided that customers have good qualifications and high-quality customers can naturally come down faster (teachers, active military officers, doctors, etc.). Although the approval time of many banks is similar, if we can make preparations in advance, we can often shorten the loan approval time. The bank loan approval process is as follows:

First, the lender prepares the materials needed for the application, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to provide a driving license.

Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.

Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.

1. Loans to banks are generally divided into the following steps:

1) Basic information submitted by the customer, including work unit and contact telephone number.

2) The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

2. In fact, although the bank's lending speed is relatively slow in the case of tight funds, some users can still lend money quickly. There are three main reasons why the lending speed can be accelerated.

1) has something to do with the bank. If you know someone in the bank, these people can talk in the bank and ask him to say hello to the examination and approval department, so that you can get a quick loan through the back door.

2) Have a large deposit in the bank. If everyone is a big customer of the bank, or has a large deposit in the bank, then you can realize rapid lending through the green channel.

3) Let banks float higher loan interest rates. When the bank is short of funds and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is to say, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.

How many days can the bank loan be approved?

Credit loans can generally be approved in 5-7 days; Mortgage loan will involve more processes than credit loan, and it usually takes 15-20 working days to complete the approval; However, housing loans will be affected by local policies. If the current bank lending is tight, it will probably take 1 month or several months to complete the approval.

At the same time, the approval time of bank loans will also be affected by the loan peak season and low season. If it is the peak season, the loan approval will be relatively slow, while in the off-season, because there are fewer applicants, the approval speed will be much faster.

Extended data:

Matters needing attention in bank loans

1. Apply for the loan amount according to your own ability.

When applying for a loan, you should have a correct understanding of your repayment ability, and at the same time make a correct and objective prediction of your future income and expenditure to avoid overdue due to your inability to repay the loan.

2. Choose the repayment method that suits you best.

Different repayment methods will lead to different interest payments. There are two common repayment methods for general mortgage: matching principal and interest and average capital. The advantage of matching principal and interest repayment method is that the monthly repayment amount is the same, and the borrower can arrange the family's income and expenditure in a planned way. However, the interest will be more. The advantage of average capital is that the interest paid is less than the matching principal and interest. As time goes by, the burden of repayment will become lighter and lighter, but the amount to be repaid in the early stage will be more.

3. Provide my information accurately and timely.

The address and contact information provided by the borrower to the bank must be accurate to facilitate bank contact. If there is any change, the borrower must contact the bank in time to inform the new address and contact information. The application materials provided to the bank should also be true and complete, otherwise it is likely that the loan will be rejected directly.

How many days can the credit loan come down?

Question 1: How many days can the credit loan be repaid? If the information is complete, it can be paid within 3-5 working days.

Banks handle almost all credit loans, mainly based on personal qualifications. The better the qualification, the easier it is to approve.

Conditions for applying for a credit loan:

1,18-a natural person aged 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

Question 2: How long does it take to apply for a personal credit loan? Generally, it takes 1-5 working days to lend money.

Unsecured credit loan information:

(1) Provide personal identification information, including ID card, residence permit, household registration book, marriage certificate and other information;

(2) Provide stable address, housing lease contract, utilities, property management and other related information;

(3) provide a stable source of income, bank running list, labor contract, etc.

Question 3: How long does it take to approve the credit consumption loan? If it is a credit consumption loan, the loan approval time is very short, generally 1-2 working days.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Question 4: I have a credit card. How many days can I get a loan? If it is China Merchants Bank's credit card E, I will apply for E-loan before 16:00, and the money will usually arrive on the same day. /kloc-I will apply for an e-loan after 0/6: 00, and the money will usually arrive at around 8: 00 the next morning.

Question 5: How long does it take for rural credit cooperatives to issue loans? The lending time of rural credit cooperatives' loans is related to factors such as "their own credit line, whether the borrower's loan procedures are complete and the purpose of the loan".

Generally speaking, if the credit line of rural credit cooperatives is loose and the borrower's loan procedures are complete, it will take about seven working days to lend money;

However, if the credit line of rural credit cooperatives is tight, the lending time will be delayed, and it is normal to get the loan funds after 1-3 months.

Question 6: How many days can the credit loan be repaid? The lending time of each company is different. Some companies can lend money in two or three days. The basic information is as follows

1. Submit original materials. Review 3. Sign a loan contract. Then borrow money!

Preparation materials required by customers

：

1. New version of the second-generation ID card (original)

2. Household registration

3 credit report

4. The bank statement stamped with the official seal of the bank for the last 6 consecutive months;

5. Work certificate; (Please provide one of the salary slips of the labor contract and work card stamped by the company)

6. Proof of address (real estate license or rental contract) (one of the utilities bills in the last two months or (property management fee receipt);

7. Other asset certificates that can increase the loan amount.

8. Marriage certificate

Friendly reminder: 1. I or my spouse have assets (real estate, vehicles, securities, etc.). ) in their name, and the loan amount can be increased.

Question 7: How long can the personal credit loan be repaid? General bank personal credit loans can be repaid within half a month.

Question 8: How long does it take for ICBC's online credit loan to be submitted for approval? It takes about a month.

I hope I can help you. If your problem is solved, please adopt it. Thank you.

Question 9: How long does it take for a personal credit loan to be released in 3-5 days? You can apply at the local bank.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Question 10: How soon can I get the personal credit loan from ICBC? 1. If it is a credit loan application submitted now this year, it may take a little longer than usual.

2. Generally, it takes about 4-6 days to inquire, collect data, investigate and report the loan approval application at the branch level (excluding weekends), and it takes 2-3 days to verify the data and approve the loan at the branch level. Generally speaking, the loan can be repaid in about 10 days.

This year, the national credit policy is strictly controlled, and banks are gradually reducing the scale of personal credit loans. If your credit loan has no result after 15 days, you should call the account manager to ask about the loan approval.

How long will it take for the bank loan to be approved?

Different applicants, different loan types and different banks will lead to different repayment times. However, it may only take about 10 days if the bank loan is fast, and it may take about one month if it is slow.

Generally, the time for bank approval will be completed within one to two weeks. After approval, if it is a credit loan, the bank will start preparing the loan after signing the loan contract.

But if it is a mortgage loan, it still needs to go through the mortgage formalities, which will take some time. Moreover, mortgage loans often have pre-loan surveys, which also takes time. However, the time spent on this series of mortgage loans will generally not exceed 15 days.

As for the lending time, it will generally arrive within 1 to 2 days. And if you apply for a loan at the bank, but the loan has not come down yet, you can ask the bank staff.

Let's talk about how long it takes for banks to approve credit loans.